Privacy Policy

1. Introduction

Welcome to Jebud ("we", "our", "us"). We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our budget management application and related services.

2. Information We Collect

2.1 Account Information

When you create an account, we collect:

• Email address — used for authentication and account recovery
• Password — securely hashed and stored, never in plain text

2.2 Financial Data

To provide our budgeting services, we process:

• Transactions — amounts, categories, descriptions, and dates you enter
• Budget allocations — monthly budgets and category limits you set
• Saving goals — goal names, target amounts, and progress
• Categories — custom expense and income categories you create

2.3 Bank Statement Data

During onboarding, you may optionally upload bank statements for AI-assisted analysis. These files are processed in real-time and never stored on our servers. Only the extracted financial insights (income sources, expense categories, suggested budgets) are retained to set up your account.

2.4 Device Information

We collect basic device information to optimize the app experience:

• Device manufacturer and model
• Operating system version
• App version

2.5 Preferences

We store your app preferences including language, theme, and currency settings.

3. How We Use Your Information

We use your information exclusively to:

• Provide and maintain the Jebud budgeting service
• Authenticate your identity and secure your account
• Generate financial insights and budget recommendations
• Process subscription and billing through our payment provider
• Send account-related communications (e.g., email confirmation)

4. Third-Party Services

We use the following third-party services:

We do not use any analytics, advertising, or tracking services.

5. Data Storage and Security

• Your financial data is stored on our secure servers and locally on your device in encrypted storage
• Authentication tokens are stored in your device's secure enclave (Flutter Secure Storage)
• All communication between the app and our servers uses HTTPS encryption
• We use OAuth 2.0 with PKCE for secure authentication
• Passwords are hashed using industry-standard algorithms (ASP.NET Identity)

7. Data Retention

We retain your data for as long as your account is active. If you delete your account, all associated data will be permanently removed from our servers within 30 days. Local data on your device can be cleared by uninstalling the app.

8. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Delete your account and all associated data
• Export your financial data
• Withdraw consent at any time

9. Children's Privacy

Jebud is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

11. Contact Us

If you have any questions about this Privacy Policy or your data, please contact us at: